Jan 26 2019, 10:04 AM
QUOTE(norspan @ Jan 26 2019, 09:01 AM)
so let say if i never had a credit card, then i applied and activated it in January, but never use them until December. Then on January next year i applied for a loan, then how can the loan officer know my CC payment track record and behavior?
Base on your CCRIS report. If you activate but never utilize this cc. Outstanding nil. Your repayment track record will be clean with all zero. It will be just the same like another person who utilize the cc, but maybe got outstanding but as long as payment made before due date promptly, repayment track record will be clean as well.
So for your scenario above, it is counted you have good credit history and record.
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